MEMORANDUM AND ORDER
WILLIAM A. HILL, Bankruptcy Judge.
This adversary proceeding arose by complaint filed August 15, 1991, by which the plaintiff, Norwest Bank Iowa, N.A. (Bank), seeks a determination that the Debtors' outstanding indebtedness owing to it arising by reason of Mastercard charges is nondischargeable pursuant to sections 523(a)(2)(A) and 523(a)(3). The Bank also asserts that because the bank card obligations were not timely included in the...
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